Tag Archives: Property Damage

Your Smart Checklist For Texas Auto Insurance Shopping

When to Request for Car Insurance Quotes Texas

The most ideal time to ask for a car insurance quote is 30 to 45 days before the renewal date of your existing policy. This time frame allows you enough time to explore more coverage options and take a look at policies offered by other insurance companies without facing pressure to make a hasty decision. Every couple of years is also a good time to request for auto insurance quotes. The important thing is to have more than enough time to compare insurance quotes before making a choice. This enables you to find better deals wherein youll have big savings.

Important Information Needed for a Auto Insurance Quote Texas

Basically, you need to prepare your drivers license number and provide information about all auto accidents and traffic violations in the past three to five years. It would help if you remember all the dates as well. Your rate will partly depend on this information.

Also, insurance companies will want to know the make, model, and year of your car. You can also declare all equipment installed in your car like alarms, wheels, custom paint, trim packages, and how much they are worth.

You would also be asked to provide information about your existing insurance company and the date of renewal. When reviewing new car insurance quotes, make sure that your new coverages is on par with your current policy. Learn more about optional coverages you can avail of but it is recommended that you have Bodily Injury and Property Damage Liability coverages.

As for deductibles, review what you have in your present policy and make a comparison. Most people prefer a USD 250 or USD 500 deductible for Comprehensive and Collision coverages. Be on constantly on the lookout for discounts awarded to low mileage cars or hybrid cars, good standing students, and safe drivers.

Comparing Auto Insurance Quotes Texas

Go for a car insurance quote with corresponding amount of coverage and deductibles as your current plan. If there should be slight differences, be aware of what they are. Make sure to get car insurance quotes Texas of exact amounts and not mere estimates. Try adjusting your limits and deductibles and look at how your rates will change.

Auto Insurance New Jersey Financial Responsibility Laws

If you are in the process of receiving your driver license in the state of New Jersey, you must purchase auto insurance and provide proof of your insurance to the Department of Motor Vehicles if you have a vehicle registered in your name. Every state in the nation requires drivers to purchase some form of automobile insurance to protect third party drivers. Insurance laws in New Jersey differ from several other states. It is important to know what coverages state financial responsibility laws require. If you fail to carry sufficient auto insurance New Jersey you could face serious punishments and penalties including license suspension, registration suspension, fines, tickets, and jail time. Walk into the DMV prepared with the right type of insurance.

The state of New Jersey requires all drivers to carry liability insurance. Liability insurance will protect third parties and will not pay for injuries or damage that the insured suffers. Liability consists of two different coverage types: Bodily Injury and Property Damage. Each of these coverage types have specific limit requirements in the state of New Jersey.

Bodily Injury will pay for injuries suffered by a third party when you are deemed at fault for an accident up to the limits stated on the declarations page of your policy. Auto insurance New Jersey financial responsibility laws require that drivers carry no less than $15,000 per person and $30,000 per accident in Bodily Injury coverage. Property Damage will pay for damage to a third party vehicle. The limit stated on your policy is the maximum your policy will pay no matter how many vehicles are damaged in the accident. The state of New Jersey requires drivers to carry no less than $5000 per accident. Liability coverage can be written in a more simplified manner. The minimum liability limits are often written as follows: 15/30/5.

Unlike many states, New Jersey also requires drivers to protect themselves and their passengers with Personal Injury Protection coverage. This coverage also referred to as PIP, will pay for injuries to you and your passengers sustained in an accident up to the limits stated on the policy. The state requires policyholders to carry no less than $15,000 per person per accident in Personal Injury Protection coverage.

Although there are several other optional coverages available in an auto insurance New Jersey policy, these are the required coverage you must purchase to satisfy state mandated laws. Choosing not to carry insurance can cost you far more in the long run in fines and lawsuits. Protect yourself and abide by the law by purchasing New Jersey auto insurance right when you are licensed. With affordable coverage available from leading insurers, you do not have to break the bank to invest in protection.